SBI Liquid Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
20.43%
Chaliye, dekho yeh do funds ka comparison. Fund A, SBI Liquid Fund Direct Plan Growth hai, jiska category Liquid hai. Uske liye, hum dekheinge ki ye fund long-term investment ke liye kaisa hai. Fund B, ICICI Prudential Multi Cap Fund Direct Plan Growth hai, jiska category Multi Cap hai. Yeh fund bhi long-term investment ke liye hai. Is article mein, hum fund A aur fund B ka comparison karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 934.98 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.99% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.45 |
| Sharpe Ratio | 3.25 | 1.04 |
| 1 Year Return (%) | 6.15% | 6.9% |
| 3 Year Return (%) | 6.89% | 20.43% |
| 5 Year Return (%) | 6.09% | 17.37% |
| Since Launch (%) | 6.79% | 16.31% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.97% |
| Portfolio Turnover | 260% | 45% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye fund chun rahe hain, to hum aapko batate hain ki Fund B ICICI Prudential Multi Cap Fund aapko better option hai. Yeh fund ki 3Y return 20.43% hai, jo Fund A ki 3Y return se adhik hai. Sath hi, Fund B ki expense ratio 0.99% hai, jo Fund A ki expense ratio se adhik hai. Lekin, yeh fund ki riskometer bhi very high hai, jisse aapko zyada risk lena pad sakta hai.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider ICICI Prudential Multi Cap Fund?
- Expense ratio: 0.99%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.04
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, fund A aur fund B ke beech comparison hai. Fund A ka 1Y return 6.15% hai, jo fund B ka 6.9% se kam hai. Lekin fund A ka consistency aur return stability ke liye accha hai. Fund A ka volatility 0.12 hai, jo fund B ka 13.45 se kam hai. Isliye, fund A acha hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer mein, fund A Low hai, lekin fund B Very High hai. Fund A ka volatility 0.12 hai, jo fund B ka 13.45 se kam hai. Sharpe ratio mein, fund A ke liye 3.25 hai, lekin fund B ke liye 1.04 hai. Isliye, fund A mehnga hai, lekin risk bhi kam hai. Expense ratio mein, fund A ka 0.12% hai, lekin fund B ka 0.99% hai. Isliye, fund A acha hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Fund A ka asset allocation 65% T-Bills mein hai, 20% CD mein hai, 10% CP mein hai, aur 5% cash mein hai. Fund B ka asset allocation 97.97% equity mein hai. Top holdings mein, fund A ka State Bank of India CD 8.5% hai, HDFC Bank CD 7.2% hai, aur Reliance Industries T-Bills 6.8% hai. Fund B ka top holdings BSE Ltd. 3.31% hai, Ultratech Cement Ltd. 2.85% hai, aur Jindal Steel Ltd. 2.73% hai. Isliye, fund A ka portfolio diversified hai, lekin fund B ka portfolio sector risk ke saath hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Answer: Fund B ka 5Y return 17.37% hai, jo fund A ka 6.09% se jyada hai. Isliye, fund B long-run mein better returns dete hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka volatility 13.45 hai, jo fund A ka 0.12 se jyada hai. Sharpe ratio mein bhi fund B ka 1.04 fund A ka 3.25 se kam hai. Isliye, fund B ka jyada risk hai, aur fund A mehenga nahi hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.12% hai, jo fund B ka 0.99% se kam hai. Isliye, fund A cost-effective hai.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price